As mobile money services grow rapidly across Ghana, so has the rise of instant loan apps that make borrowing quick and easy. In 2025, several new and trending loan apps in Ghana have emerged, offering fast loans directly to your phone with no collateral required.
In this blog, we explore some of the most reliable and new mobile loan apps in Ghana, how they work, their pros and cons, and tips to choose the best app for your financial needs.
1. Gh Loans – Instant Loans Made Simple
Gh Loans Pro is one of the most trusted loan apps in Ghana in 2025. It offers personal loans from GHS 1,000 to 5,000 with repayment terms between 92 and 180 days. The interest rates range from 12% to 26% per year, depending on the loan amount and repayment history.
Borrowers appreciate the fast approval process and easy mobile money disbursement. If you’re looking for a quick loan in Ghana without collateral, Gh Loans is a solid option.
2. MoniWave – Ghana’s No.1 Trending Loan App
MoniWave has quickly risen to become Ghana’s most downloaded financial app in 2025. With a strong presence on Google Play, MoniWave offers fast loan processing, a user-friendly interface, and secure transactions.
It is best known for offering mobile money loans in Ghana with flexible terms. Even though detailed interest rates aren’t disclosed publicly, many users confirm fast disbursements and minimal paperwork.
3. FairMoney – Trusted Pan-African Lender Now in Ghana
Already popular in Nigeria and other African markets, FairMoney has now launched in Ghana, offering instant loans on your smartphone. The app provides fast decisions, minimal documentation, and safe transactions.
While its Ghana-specific details are still limited, FairMoney’s global reputation makes it one of the most legit loan apps in Ghana to consider in 2025.
4. SikaSwift – Swift Cash for Ghanaians
SikaSwift is another rising star in the Ghana mobile loan app scene. With quick approval times and direct mobile money transfers, it’s favored by users who need emergency cash fast.
Its popularity is growing quickly, especially among students, small business owners, and salaried workers looking for short-term financial help. Always review the terms and interest rates inside the app before borrowing.
5. CreditMax – Flexible Loans for Everyday Needs
CreditMax is a new loan app in Ghana that offers flexible loans to mobile users. Though not as widely known yet, it’s gaining traction for its straightforward application process and friendly customer support.
Users can apply for loans within minutes and receive funds via MTN Mobile Money, AirtelTigo, or Vodafone Cash. It’s ideal for low-income earners or first-time borrowers.
6. OzzyMoney – New Entrant with Promising Features
OzzyMoney is a fresh loan app targeting the Ghanaian market in 2025. While still under the radar, it’s quickly gaining downloads due to its quick loan offers and simple repayment system.
Always be cautious with new apps—ensure the app has positive reviews and doesn’t request upfront fees before approval.
7. QuickCedi – Loans via MoMo in Minutes
QuickCedi ranks among the most downloaded loan apps in Ghana today. It allows users to access quick loans directly to their mobile wallet, with minimal documentation.
If you’re looking for a fast cash loan in Ghana via mobile money, QuickCedi is reliable, secure, and gaining trust among thousands of users.
8. GlowCredit – Instant Loans with High Approval Rates
GlowCredit has built a strong reputation as a fast loan app in Ghana. It stands out for approving loans even for users with no credit history. Disbursements are done instantly through mobile money platforms.
Whether you need school fees, emergency funds, or to boost your small business, GlowCredit is one of the easiest apps to qualify for in 2025.
9. SoftyMoney – Trusted by Thousands in Ghana
SoftyMoney is another top loan app that Ghanaians are turning to in 2025. Known for its smooth user experience and fair loan terms, it provides quick cash loans without paperwork.
It’s popular with students, salaried workers, and entrepreneurs looking for instant short-term loans.
How to Choose the Right Loan App in Ghana
With so many loan apps now available, it’s important to pick one that is secure, transparent, and meets your needs. Here are key tips:
- Check app ratings and reviews on Google Play before downloading.
- Avoid any app that asks for a registration fee or advance payment before approving the loan.
- Review the interest rates and repayment duration carefully inside the app.
- Ensure the app supports your mobile money provider (MTN, AirtelTigo, Vodafone Cash).
- Look for customer support options—genuine apps usually have live chat, phone, or email help.
Final Thoughts
The landscape of instant loan apps in Ghana is growing fast in 2025. Apps like Gh Loans, MoniWave, GlowCredit, and SoftyMoney are leading the way in offering safe, fast, and secure microloans through your phone.
Always borrow responsibly—only take loans you can repay on time. Avoid scams by using only apps from trusted developers and official app stores.
If you’d like a review or deeper guide into any specific app listed above, feel free to ask!